Évolution des garanties du crédit bancaire en France

Alternative Title

Development of the guarantees of bank credit in France

Abstract

The opening of collective proceedings has become a test for the reliability and efficiency of the guarantees taken by the bankers. However, because of the crisis and the constraining feature of the legislative provisions and of the jurisprudential attitudes, this test has proved it risky and has shown a falling-off of the traditional guarantees of bank credit. But this falling-out is slowing down. The improvement of credit engineering and of financial information, the improvement of the way of dealing with the firms in difficulty, allows the banker to increase the efficiency of his guarantees and to secure a better supervision of the loans.